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Garner CDP, TX

ZIP 76088 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76088

Median Home Value
$374,900
Median Rent
$1,238
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,408/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 76088 in Garner CDP, TX, a household would need roughly $103,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,408. That is roughly in line with the local median household income ($107,431). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
4.4%-36% vs US avg
x
Rent Burden >30%
18.6%-62% vs US avg
x
Mortgage-Free
44.0%+15% vs US avg
x
$374,900
Home Value
$1,238
Rent
2001
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.5%
  • 1-unit attached6.4%
  • 2-9 units5.5%
  • 10+ units0.0%
  • Mobile home & other15.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$374,900
Median rent$1,238
Owner-occupied84.8%
Vacant3.6%
Price-to-income3.5x
Est. income to buy$103,000